<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS OF MURFREESBORO BANCORP FOR THE QUARTER ENDED MARCH 31,
2000 AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                          DEC-31-2000
<PERIOD-START>                             JAN-01-2000
<PERIOD-END>                               MAR-31-2000
<CASH>                                           3,004
<INT-BEARING-DEPOSITS>                               0
<FED-FUNDS-SOLD>                                 1,115
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     17,383
<INVESTMENTS-CARRYING>                           8,855
<INVESTMENTS-MARKET>                             8,602
<LOANS>                                         69,910
<ALLOWANCE>                                        874
<TOTAL-ASSETS>                                 107,279
<DEPOSITS>                                      90,267
<SHORT-TERM>                                     4,478
<LIABILITIES-OTHER>                                806
<LONG-TERM>                                      3,000
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                         9,068
<OTHER-SE>                                        (340)
<TOTAL-LIABILITIES-AND-EQUITY>                 107,279
<INTEREST-LOAN>                                  1,472
<INTEREST-INVEST>                                  381
<INTEREST-OTHER>                                    27
<INTEREST-TOTAL>                                 1,880
<INTEREST-DEPOSIT>                                 999
<INTEREST-EXPENSE>                               1,121
<INTEREST-INCOME-NET>                              759
<LOAN-LOSSES>                                       60
<SECURITIES-GAINS>                                   0
<EXPENSE-OTHER>                                    749
<INCOME-PRETAX>                                     43
<INCOME-PRE-EXTRAORDINARY>                          43
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                        43
<EPS-BASIC>                                       0.05
<EPS-DILUTED>                                     0.05
<YIELD-ACTUAL>                                    7.91
<LOANS-NON>                                          0
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   817
<CHARGE-OFFS>                                        3
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  874
<ALLOWANCE-DOMESTIC>                               874
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            874